Dua for Settling a Debt:
I’m going to share the Dua for Settling a Debt (Supplication to pay off debts) in English and Arabic.
The Prophet (SAWA) said, ‘Beware of debt for verily it is a source of anxiety in the night and a source of disgrace during the day.’[Bihar al-Anwar, v. 103, p. 141, no. 4]
Dua to pay off Debts:
اللَّهُمَّ اكْفِنِي بِحَلَالِكَ عَنْ حَرَامِكَ وَأَغْنِنِي بِفَضْلِكَ عَمَّنْ سِوَاكْ
‘Oh Allah, make what is lawful enough for me, as opposed to what is unlawful, and spare me by Your grace, of need of others.’
ALLAAHUMMAK-FINEE BI-H’ALAALIKA A’N H’ARAAMIKA WA AGHNINEE BI-FAZ’LIKA A’MMAN SIWAAK.
These words were spoken by Ali (R.A.) taught by Prophet Mohammad (SAW.) when a person expressed a shortfall in his wealth to Ali (R.A.) he said: “Shall I not show you what Prophet Mohammad (SAW) taught me, even if there is a debt equal to that of a huge mountain then Allah will pay it”. Ali (R.A.) then recited the above dua. (Tirmidhi)
Another Dua for Repayment of Debts:
Abu Saeed Kudri (R.A.) narrates that once a person mentioned to Prophet Mohammad (SAW.) that he was concerned about his major debts. Prophet Mohammad (SAW.) replied “Shall I not show you those words by saying which Allah will remove your concern and pay your debts?” The person asked “What is it, O Messenger of Allah?” Prophet Mohammad (SAW.) told him to recite the following morning and evening:
اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الْهَمِّ وَالْحَزَنِ وَأَعُوذُ بِكَ مِنَ الْعَجْزِ وَالْكَسَلِ وَأَعُوذُ بِكَ مِنَ الْبُخْلِ وَالْجُبْنِ وَأَعُوذُ بِكَ مِنَ غَلَبَةِ الدَّيْنِ وَقَهْرِ الرِّجَالِ
“Oh Allah I seek refuge in You from worry and grief, I seek refuge in You from hopelessness and laziness, I seek refuge in You from miserliness and cowardice and I seek refuge in You from overwhelming debt and from the force of men”.
The person stated that he recited this dua and Allah removed all his worries and debts. (Abu Dawood)